The Only Four Things Worth Investing In

0:00This episode is brought to you by Progressive Insurance. Do you ever find yourself playing the budgeting game? Well, with the name your price tool from Progressive, you can find options that fit your budget and potentially lower your bills. Try it at Progressive.com. Progressive Casualty Insurance Company and Affiliates. Price and coverage match limited by state law. Not available in all states. Four things. That's it. Four things worth putting your money into, ever. Not 15 mutual funds wearing different names. Not diversify and hope. And there's one bucket, one, that Wall Street has been pushing on you harder than any of the other three.

0:43It's not the one that makes people rich. It's just the easiest one to sell. Today, I'm walking you through all four. And by the end, you're going to ask yourself a question most people spend their whole life avoiding. Did you choose where your money is sitting right now? Or did someone choose it for you? Stick around. This is the Rich Dad Radio Show. The good news and bad news about money. Here's Robert Kiyosaki. Welcome to the Rich Dad Radio Show. The good and bad about money. This is Robert Kiyosaki. And today is just you and me. And we're talking about what the rich are teaching their kids about money.

1:33Four things. That's it. there are only four things in this world worth putting your money into, ever. Not 15 mutual funds wearing different names, not a portfolio your advisor built and you've never read, not diversify and hope. Four things I learned it before I was old enough to drive, not from a teacher, not from a book, from a legal pet. My rich dad picked up a pen, drew two columns and asked me a question instead of answering one. Most people never get asked that question, not once, not in school, not from the guy managing their 401k. And by the end of today, you will understand something most people with a financial advisor on speed dial still don't.

2:23That's not motivation. That's an unfair advantage. He didn't hand me a book. He didn't give me a lecture. He picked up a pen, drew two columns on a legal pad, then asked me a question instead of answering one. Do you know the difference between something that puts money in your pocket and something that takes it out? I didn't. Not really. My poor dad, my real father, would have answered that question with a list, the same list they hand almost everyone. Get good grades, get a good job, save your money, put it in a mutual fund, diversify. Let the professionals handle it. That list sounds responsible.

3:09It sounds safe. Most people never question it because everyone around them is doing the exact same thing. My rich dad had a different answer. He always did. Only four real asset classes exist in the entire world. Everything else falls into one of them. Every mutual fund, every advisor, every 401k statement you're afraid to open. Once you can name the bucket, you can see who's actually holding the wheel. Understand the four and you stop being confused. Stop being confused and you stop being controlled. That's the whole lesson. That conversation on that legal pad is why I have never once called a financial advisor to ask what to do with my money.

4:02And it's why most people will work 40 years, follow the list exactly as written, retire, and find out they're broke. Here's what nobody on CNBC will tell you. Wall Street has spent the better part of a century convincing smart, capable people that investing is too complicated for them to understand on their own. It's not illegal. It's just quiet. In 1974, the government passed a law called ERISA. You've never heard of it, but you've felt it. That law is the reason the 401k exists. Before it, corporations paid you a pension for life. After it, they didn't want the risk anymore. Too expensive, too permanent.

4:52So they handed you an account, called it investing for your future, and walked away. Overnight, millions of people with zero financial education were told to become investors. And just as fast an entire industry of financial planners showed up to help them. except most of them weren't investors either. School teachers, insurance salesmen, a few weeks earlier doing something else entirely. It was, in my rich dad's words, like throwing lambs to a pack of lions. Nobody handed those lambs a financial IQ. Nobody handed them the four buckets. They were just told, go be an investor now. Good luck. Here's the part that should make you angry.

5:43That industry doesn't get paid when you win. It gets paid when you show up. Whether your account goes up or down, the fees come out either way. Complexity isn't an accident. Complexity is the product. As long as you believe investing requires a professional, you will keep paying one, whether he makes you money or not. There are only four asset classes. I'm going to walk you through all of them. Pay close attention to which one Wall Street pushes hardest on people like you, and ask yourself why. When we come back, which bucket bills are truly wealthy, and which one Wall Street has been counting on, you never questioning.

6:31This touches every dollar you have, not someday, right now. Don't go anywhere. I've got a neighbor, retired guy, smart guy. For years, he's been telling me about this business he wants to start. He's got the idea. He's got the plan. He's even got the name picked out, but he never launches. You know why? The setup. Which website builder? Which domain company? Which email tool? He'd open five tabs, burn three hours, and have nothing to show for it. So the business stayed in his head where it made him exactly zero dollars. Last week, he finally launched. I asked him how. He said, Robert, I didn't build a website.

7:09I had a conversation. He went to Hostinger and just told their AI what he wanted, plain English. Minutes later, the first version of his website was done. And here's a part I like. The domain, the hosting, the business email, all of it. One place, one account. No duct tape, no tech guy, and it costs less than what most people waste on coffee. So I can't afford it, won't work here. Rich Dad taught me, the poor say I can't. The rich ask, how can I? Here's how. Go to hostinger.com slash richdad20 and use code richdad20 for 20 % off. That's hostinger.com slash richdad20. The people who change their financial future aren't the ones who almost did something.

7:56Go now. It's a great first step. The system was never broken. It was built this way. People keep asking me why the system feels rigged. Let me be blunt. It isn't broken. It's working exactly as designed. Designed by the rich, for the rich, to keep everyone else locked outside the room where the real money is made. It starts in school. It keeps you working for money instead of learning how money works for the rich. There are two sets of rules. One set for people who work for money. Another set entirely for the people who print it, control it, and move it. I'm not telling you this to make you angry and helpless.

8:31I'm telling you because once you see the game, you can learn to play it. The rich didn't get rich by working harder. They got rich by understanding rules nobody bothered to teach you. Learn the real rules. That's the only rebellion that actually works. That is why I'm introducing you to Devin and her Capital Club. Capital Club brings democracy to investing and opens a backdoor for you. so you can participate in some of the greatest investments you normally would not have access to or be invited to. To learn more, go to capitalclub33.com. That's capitalclub33.com. Go there and beat the system. Don't let the system beat you.

9:12capitalclub33.com. Okay, we're back. Let's jump right back in. We're still standing at the four buckets. The first one builds more wealthy people than any other bucket on the list. Business. The richest people who have ever lived didn't save their way there. They didn't clip coupons into a mutual fund. They built something. Bill Gates didn't get rich saving 15 % of his paycheck. Neither did Steve Jobs. Neither did Richard Branson. Neither did I. A business is a machine. It keeps making money whether you personally show up to work that day or not. That's why Warren Buffett owns Coca-Cola. Nobody has to convince the world to drink a Coke tomorrow.

9:58The machine runs itself. But before I built anything, I had to learn to sell. In 1974, Xerox hired me and shipped me off to Leesburg, Virginia for sales training. I was terrible, dead last on the entire team. It took me four years to go from the bottom of that sales floor to the top. I never learned to write well. I still don't. I am not a best writing author. I'm a best selling one. There's a difference. And it's the entire point. My rich dad said it plainly. Sales equals income. If you want to build a business, that is the one skill you cannot skip. Most people skip it anyway, then wonder why the business never grows past them.

10:51A business takes the most financial education of any of the four asset classes. It also builds the most wealth. That is not a coincidence. The second bucket is real estate and this is where the money from a business goes to work a second time. In 1989 my wife Kim bought her first rental, a two-bedroom, one-bath house in Portland, Oregon. Small, unimpressive. The kind of deal most people would scroll right past. Today, she owns more than 1 ,400 units. Here's how the math actually works, and it's the opposite of what you were taught. If my company generates a million dollars in cash flow, I don't sit on it.

11:40I go to a bank, I borrow four million dollars against it, I acquire more property. Most people hear that and think I'm insane. I love debt. I hate taxes. Real estate is one of the only places on earth where you can use both of those feelings to get richer at the exact same time. Leverage, cash flow, depreciation. All three working together all at once. Nobody in a classroom ever taught you that debt could be a tool instead of a trap. That wasn't an accident either. Real estate takes the second highest level of financial education right behind business. That's exactly why most people never touch real estate directly.

12:33They buy a REIT instead and call it real estate investing. It isn't. It's a paper asset wearing a real estate costume. Which brings us to the bucket Wall Street actually wants you in. When we come back, the bucket almost nobody chose on purpose. the one that requires zero sales skill, zero management skill, and zero financial education to buy. The one that's probably sitting in your account right now. Stay with me. The system was never broken. It was built this way. People keep asking me why the system feels rigged. Let me be blunt. It isn't broken. It's working exactly as designed. Designed by the rich, for the rich, to keep everyone else locked outside the room where the real money is made.

13:25It starts in school. It keeps you working for money instead of learning how money works for the rich. There are two sets of rules. One set for people who work for money, another set entirely for the people who print it, control it, and move it. I'm not telling you this to make you angry and helpless. I'm telling you because once you see the game, you can learn to play it. The rich didn't get rich by working harder. They got rich by understanding rules. nobody bothered to teach you. Learn the real rules. That's the only rebellion that actually works. That is why I'm introducing you to Devin and her Capital Club.

14:01Capital Club brings democracy to investing and opens a back door for you. So you can participate in some of the greatest investments you normally would not have access to or be invited to. To learn more, go to CapitalClub33.com. That's CapitalClub33.com. Go there and beat the system. Don't let the system beat you. CapitalClub33.com. I've got a neighbor, retired guy, smart guy. For years, he's been telling me about this business he wants to start. He's got the idea. He's got the plan. He's even got the name picked out, but he never launches. You know why? The setup. Which website builder? Which domain company?

14:40Which email tool? He'd open five tabs, burn three hours, and have nothing to show for it. So the business stayed in his head where it made him exactly zero dollars. last week he finally launched i asked him how he said robert i didn't build a website i had a conversation he went to hostinger and just told their ai what he wanted plain english minutes later the first version of his website was done and here's a part i like the domain the hosting the business email all of it one place one account no duct tape no tech guy and it costs less than what most people waste on coffee. So I can't afford it won't work here.

15:19Rich Dad taught me the poor say I can't. The rich ask how can I? Here's how. Go to hostinger.com slash rich dad 20 and use code rich dad 20 for 20 % off. That's hostinger.com slash rich dad 20. The people who change their financial future aren't the ones who almost did something. Go now. It's a great first step. We're back. Let's get right back to it. Two buckets down, business and real estate, where wealth gets built. Now the one almost everyone is actually standing in, paper assets, stocks, bonds, mutual funds, your 401k. Here's a secret I told you I'd come back to. Paper assets are the only bucket that requires zero sales skill, zero management skill, and zero financial education to buy.

16:15All you have to do is call a broker or go online and say, I want 100 shares of that. You could train a monkey to do it. That's not a compliment. That's the entire business model. Think about who's selling you the mutual fund. Most financial planners didn't spend a decade mastering markets. Many of them changed careers a few weeks before they got their license. There were teachers, nurses, checkout clerks, good people, handed a title and a quota. They were taught to sell in the S quadrant, not to invest in the I quadrant. There's a difference. And it's the one they hope you never notice. And here's the part that should really bother you.

17:01When you buy a stock, you own a tiny sliver of a company you cannot control. If Microsoft's expenses are too high, Bill Gates is not taking your call. You have no say in the debt, the leadership, the decisions. None. You are a passenger, hoping the driver knows what he's doing. That's not investing. That's gambling with a nicer name. Paper assets aren't evil. They've made a few people very rich. but they've also lost trillions for regular people who never asked to be investors. People simply handed a 401k after the pension disappeared and told, figure it out. They didn't fail. They were never taught.

17:50There's a difference and Wall Street is counting on you never learning it. This is the bucket Wall Street pushes hardest, not because it's the best one, because it's the easiest one to sell to the most people with the least amount of explaining. The fourth bucket is commodities, gold, silver, and yes, today, Bitcoin. This one is different from the first three. Business and real estate are how you get rich. Commodities were never meant to make you rich. They exist to keep you from getting poor. Every dollar the Federal Reserve prints makes the dollars already in your bank account worth a little less, quietly, while you sleep.

18:38Currency is not the same thing as money. Commodities are a hedge against a difference between the two. When the money supply grows, tangible things priced in that money tend to rise right along with it. Gold does not care what the Fed announces at its next meeting. That's exactly why I own it. Commodities require the least financial education of the four buckets. That's the good news. The bad news? The least is not none. There are just as many con artists in the gold and silver business as anywhere else, especially when prices are climbing and everyone suddenly wants in. I started studying oil as a young man sailing for Standard Oil.

19:25I started studying gold years later as a pilot in Vietnam. Neither one made me rich overnight. That was never the point. You don't buy an oil well or a gold coin for the story. You buy it because paper money has a printing press behind it, and metal in the ground does not. Commodities are insurance. You don't buy insurance hoping to use it. You buy it so that when everything else gets shaky, you're still standing. Now put all four next to each other. Look at what you're actually looking at. Business and real estate, where wealth gets built. Paper assets and commodities, where it gets managed, protected.

20:09If you know what you're doing. Most people never touch the first two, not because they chose not to, because nobody ever showed them. They go straight to paper assets because it was the only bucket anyone ever handed them. Warren Buffett said something once that most financial advisors hope you forget. Spreading your money across a pile of things you don't understand isn't a strategy. It's a hiding place for people who never learn to properly evaluate a single one of them. True diversification isn't 12 different mutual funds. That's one asset class wearing 12 different masks. Real diversification means understanding all four buckets well enough to choose, on purpose, where your money goes and why.

21:03I set my asset goals every year around New Year's Day, not resolutions, goals. Which bucket am I adding to? How much? Why? That's the difference between hoping your portfolio grows and building it on purpose. You don't need to master all four. Rich Dad didn't ask that of me. He asked me to pick one, follow it until I understood it cold, then add the next. What you cannot afford to do is what most people do. Hand your money to a stranger in a bucket you didn't choose and hope. The gap between the wealthy and everyone else was never about luck. It was never even really about money. It was about who understood these four buckets and who was simply told which one to stand in.

21:51So here's a question worth sitting with. Right now, today, your money is sitting in one of these four buckets, maybe more than one. Did you choose it or did someone choose it for you? If you're honest, for most people, it's the second one. A 401k that showed up with the job, an advisor or relative recommended, a mutual fund pick because it had a nice name and a green arrow next to it last quarter. That's not a financial failure. That's an education gap. And it closes the same way every gap closes. Not with more saving, with more understanding. Go back to that legal pad for a second. Rich Dad's question was never, what should I invest in?

22:40That's the question poor dad would have asked. It's the question that keeps people waiting on someone else's advice for 40 years. The real question was simpler. What do I need to learn? Learn business and you build a machine that pays you whether you show up or not. Learn real estate and you turn debt into a weapon instead of a trap. Learn paper assets and you stop being the last one to find out the truth about a company you never controlled. Learn commodities and you stop pretending your savings account is safe from a printing press. None of that happens in a single episode. It happens one bucket at a time, one decision at a time, starting with the one you're standing in right now, whether you're meant to or not.

23:32Nobody is coming to teach you this in school. Nobody taught it to your parents either. That's not an excuse. That's just where the education starts. Four buckets, one decision in front of you. Keep handing your future to someone else and hoping, or start learning which bucket is yours and why. That's the difference. Thank you for your time. Thank you for caring about your future. Thank you for understanding that you are the only one who cares about taking care of you. Take care. The system was never broken. It was built this way. People keep asking me why the system feels rigged. Let me be blunt.

24:14It isn't broken. It's working exactly as designed. Designed by the rich, for the rich, to keep everyone else locked outside the room where the real money is made. It starts in school. It keeps you working for money instead of learning how money works for the rich. There are two sets of rules. One set for people who work for money. Another set entirely for the people who print it, control it, and move it. I'm not telling you this to make you angry and helpless. I'm telling you because once you see the game, you can learn to play it. The rich didn't get rich by working harder. They got rich by understanding rules nobody bothered to teach you.

24:51Learn the real rules. That's the only rebellion that actually works. That is why I'm introducing you to Devin and her Capital Club. Capital Club brings democracy to investing and opens a backdoor for you. So you can participate in some of the greatest investments you normally would not have access to or be invited to. To learn more, go to capitalclub33.com. That's capitalclub33.com. Go there and beat the system. Don't let the system beat you. CapitalClub33.com

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